Credit Collections U.S.A.: Who They Are and Your Rights

Type

Collection agency

Also known as

Credit Collections U.S.A., L.L.C.; Credit Collections USA, LLC; CCUSA

Headquarters

Morgantown, WV

Collects

medical bills, utility bills, retail and pharmacy accounts, internet service bills, veterinary bills

Phone numbers it lists

(800) 228-3048, (800) 352-8303

Website

ccuhome.com

192 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credit Collections U.S.A., L.L.C. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Credit Collections U.S.A.?

Credit Collections U.S.A., L.L.C., which uses the short name CCUSA, describes itself as "a third party debt collection agency headquartered in Morgantown, WV." Its website says it has worked in the collection industry since 1984, and its BBB business profile lists the company as a limited liability company at 16 Distributor Drive, Suite 1, Morgantown, West Virginia, with Linda Wolfe as chief operating officer. The site lists memberships in the American Collectors Association, the Mid-Atlantic Collectors Association and the Consumer Data Industry Association.

CCUSA's website gives (800) 228-3048 for credit report questions and (800) 352-8303 for medical practices. Use one of those numbers if you want to confirm that a call or letter really came from CCUSA.

We did not find a CFPB enforcement action against Credit Collections U.S.A.

Why Credit Collections U.S.A. May Be Contacting You

Health care is CCUSA's core business. The company says it serves "4,500+ health care professionals all over the country." It also handles "non-medical debt," naming utilities, retail, pharmacy, florists, internet service providers and veterinarians as examples.

The typical CCUSA account, then, is a balance left over from a doctor or specialist visit: a copay, a deductible, or a charge your insurer denied. Because the website has a dedicated credit-report line, some people first learn of the account when it appears on a credit report rather than through a letter.

How to Check a Debt Credit Collections U.S.A. Says You Owe

With physician-office balances, the question is usually not whether you saw the doctor but whether insurance was billed correctly.

• Look for the validation notice. 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 require CCUSA to tell you which provider is the creditor, how the balance was calculated and when your dispute window closes. See what the notice must say.
• Get the claim history. Ask the provider for an itemized bill and your insurer for the explanation of benefits. A charge that should have gone to insurance is a common reason to dispute.
• Dispute in writing within the validation period. CCUSA must stop collecting the disputed portion until it mails verification.
• Confirm the creditor. Ask whether the medical practice still owns the account and whether paying CCUSA will clear it with the practice.
• Consider how old it is. Texas generally sets a four-year deadline to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Limitation periods vary from state to state.

What Credit Collections U.S.A. Can and Can't Do

CCUSA collects for others, so it is a "debt collector" under 15 U.S.C. § 1692a(6) and must follow the FDCPA and Regulation F.

• Credit reporting: before reporting a debt to a credit bureau, a collector must first contact you about it (12 C.F.R. § 1006.30(a)). The national bureaus also no longer show paid medical collections or those with an original balance under $500 (details).
• Disputed accounts: if you dispute a reported debt, it must be marked as disputed (15 U.S.C. § 1692e(8)).
• Texas medical bills: a Texas health care facility must send an itemized bill before pursuing collection (SB 490).
• Calls: no more than seven in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).

See our FDCPA attorneys page if you have questions about a collector's conduct.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Credit Collections U.S.A. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Credit Collections U.S.A.: home page
• BBB business profile: Credit Collections USA LLC (business facts only)
• CFPB enforcement actions search: Credit Collections
• CFPB Consumer Complaint Database: Credit Collections U.S.A., L.L.C., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit Collections U.S.A. has violated any law. Company details change; tell us if something here is out of date.